Sierra Pacific Mortgage NMLS ID: 184479; GA Residential Mortgage Licensee 28928; TN 104002; 2115 Stein Dr, Chattanooga, TN 37421 FHA VA Rural Development in TN and GA
Get to know Richard Smith
Home mortgages for purchases and refinances for Tennessee and Georgia.
I am a mortgage loan officer in Chattanooga, TN, with Sierra Pacific Mortgage.
I want the right mortgage loan for you. Service and ongoing contact that earn your confidence to refer your friends and family for their real estate loan needs.
I have over 20 years experience as a mortgage loan officer. I have been making mortgage loans out of Chattanooga since 1994.
Purchase Loans - We offer loans that help keep you down payment low including conventional, FHA, VA, and Rural Development loans.
My promise is to get you to the closing table on time and with no surprises. We have real estate agent contacts with expertise in each local area. With those contacts, I assist you in that important step of selecting the right real estate agent for you.
Refinance Loans - Understanding your refinance objectives is critical to obtaining just the right loan terms. Making certain that your goals are achievable before we even begin the process saves time and money. Working with me means that you will be fully informed at each step of the process.
FHA Renovation - In today's market, you may find that a renovating your home is a good option. With an FHA renovation loan, FHA 203k, you get excellent terms. Also the FHA loan amount calculations typically allow you to receive more money for your renovations, meaning that you may very well get all the work you want.
We offer conventional renovation loans as well. With a renovation loan, it is important that your lender has experience.
HUD foreclosure loans. We offer the $100 down HUD purchase program. With or without repair escrow. This is another loan program for which experience can make the difference.
.elocation is made smooth with our local contacts and use of internet technology - secure online applications, toll free fax number, and secure website user accounts for document uploads, and elecronic signatures help make the loan process smooth.
My goal is to WOW you.
Sierra Pacific Mortgage
NMLS # 184479
GA Residential Mortgage Licensee # 28928
2115 Stein Dr, Suite 215
Chattanooga, TN 37421
Equal Housing Lender
Richard Smith's Blog Posts
We specialize in FHA, VA, Rural Development, conventional and Jumbo residential mortgage loan programs. We offer these programs along with the traditional conventional mortgage programs. We are experienced FHA lenders, with proven results in credit help.
That quality investor relationship is of critical importance to you, our client.
My real estate agents know they receive my full commitment and the commitment of our local and our corporate staff. I stay fully accessible.
I return phone calls.
My clients and partners are kept fully informed of the status. My experience as a mortgage loan officer helps me to identify potential loan approval issues early in the process. This allows my clients to have right expectations about their home financing transaction. I know the financial goals of my clients and work hard to develop a lasting relationship with them.
We put technology to work for you. This makes your loan process smooth.
You know the status.
You have the information you need to make the informed decision.
Lending is local. We use technology to give you the experience of local service - right where you are.